Derek Wiley Agency, Inc. specializes in auto, home, and business insurance.
Insuring Roanoke and All of Virginia, and North Carolina
Risk Advisory Insurance Agency
Protect what you have built before something goes wrong.
Derek Wiley Agency helps Virginia homeowners, families, and business owners make smarter insurance decisions by looking at risk before looking at policies. Your home, vehicles, business, income, savings, and future are not protected by a one-size-fits-all quote.
A 15-minute online transaction may give you a price, but it rarely gives you a complete view of your exposure. We help you evaluate what needs to be protected, where gaps may exist, and how to build coverage that fits your actual life.
Our work starts with better questions: What could go wrong? What assets would be exposed? How were your current limits chosen? Would your coverage respond the way you expect after a fire, accident, lawsuit, water loss, or business interruption?
An independent insurance agency with a risk advisory approach.
A “quote-driven” agency usually starts with the policy. They gather basic information, plug it into carrier systems, and return rates. That can be useful if you’re in a hurry and the only thing you care about is the monthly premium payment. However, that approach does not answer the more important question: whether the coverage is appropriate for your current level of risk.
A Risk Advisory Insurance Agency digs deeper. Before comparing rates, we look at what needs to be protected: your home, vehicles, business, income, savings, liability exposure, and future assets. Then we curate a coverage structure that actually matches the real-world situations that could create a claim.
The goal is not to make insurance more complicated. The goal is to help you make a more informed decision before something goes wrong.
Advice Before the Policy. Support After the Claim.
The same advisory approach applies after you become a client. Derek Wiley Agency is not built around sending people to a national 800 number and hoping they can figure it out from there. When clients have questions, need help understanding coverage, or are dealing with a claim, the agency answers the phone and takes the time needed to guide them through the process.
That is why the reviews matter. They are not just proof that people found a competitive rate. They reflect the experience of working with a local agency that explains the options, stays involved, and supports clients when insurance becomes real.
What We Help You Protect
Your Home
Your homeowners coverage should reflect what it would actually take to rebuild and recover, not just what a nearby house sold for or what a lender required.
Homeowners Insurance
Your Vehicles and Liability
Auto insurance is not only about repairing a vehicle. A serious accident can create liability that follows your family and exposes assets beyond the car itself.
Auto Insurance
Your Assets and Future Income
Umbrella protection can be an important part of a risk strategy for households with income, savings, home equity, retirement assets, young drivers, or rental exposure.
Personal Umbrella Insurance
Your Business
Business insurance should match how your company actually operates: property, liability, vehicles, workers, contracts, revenue interruption, and real claim scenarios.
Business Insurance
Who Derek Wiley Agency Is For
Derek Wiley Agency is built for clients who want advice and guidance, not just the lowest number. We are a strong fit for homeowners, families, professionals, and business owners who want to understand what is actually at risk before choosing coverage, and who value having an agent who will pick up the phone when they call with a question or concern.
We may not be the right fit if your only goal is to find the lowest possible premium with no discussion of coverage tradeoffs. If you want to understand what could go wrong and how to protect against it, we would be glad to help.
See Who We Serve
Why Derek Wiley Agency
Derek Wiley is a Botetourt County native, VMI graduate, and experienced insurance professional with a background that includes claims adjustment and senior litigation representation. That matters because coverage decisions should be made with the claim in mind, not just the paperwork.
Derek Wiley Agency is an independent agency, which means the team can work with multiple respected insurance carriers. Many large national agencies can only offer coverage from one company. That means your needs must fit within that company’s existing products, pricing, and underwriting rules.
We can compare options from multiple insurance carriers and recommend coverage based on your actual situation. Instead of starting with one company’s product list, we start with what you need to protect.
That gives our clients more flexibility, more perspective, and a better chance of finding coverage that actually fits.
An Award Winning Agency 6+ Years In A Row
In addition to our many carrier-granted awards, Derek Wiley Agency has been recognized by readers of The Roanoker as a Gold award winner every year since 2020.
A Local Voice on Insurance Risk
Derek and the agency have been featured in local conversations about insurance claims, Virginia auto insurance changes, storm-related risk, and the value of working with an independent insurance advisor.
If you want to understand your risk, protect your assets, and work with a local advisor who will explain the tradeoffs before you choose coverage, contact Derek Wiley Agency.
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Specializing In Erie Insurance
Erie Insurance has been helping customers since 1925 with their auto, home, business, and life insurance needs.
